For many of the poor and uninsured, the best way to make sure you're not bankrupted by your next spill is through Medicaid. That is, of course, if your governor extended Medicaid in your state. If not, work day and night to make sure that person is never elected governor again. They aren't confused or have a conviction — they are cold-hearted operators who do not care about people in bad situations.

The other option, if you're more fortunate than most of the uninsured, is to try your hand at the state exchanges. While prices aren't ideal on these, once again, better than bankruptcy. Consider it.